Fee impact calculator
Measure what annual fees really take out of your capital over time, compounding included.
Why the gap looks disproportionate
Fees do not simply remove a percentage each year: they also remove everything that amount would have earned afterwards. That is why a fee gap that looks trivial over one year becomes considerable over twenty.
To compare two solutions, add up every layer of fees: the fund’s own charges, the wrapper’s fees, and any switching costs. That total is what you should enter here.
This calculator is for information only. It uses simplified assumptions, ignores your personal situation and does not constitute investment advice.